Privacy Policy

This “Privacy Policy” provides the privacy practices of Tapsys Private Limited and our affiliates (collectively “Company”, “We’, “Us” or “Our”) in connection with Our “Services” (each a “Service”) via our website, https://tapfin.in and its subdomains (collectively the “Website”) and our mobile applications (each a “Mobile App”) and via any other online means such as email, online drives and via any offline means such as physical paper document collection collectively known as “TapFin”, “Platform”. The Privacy Policy addresses the rights and choices available to “Users” or “You” (any Person and/or the business entity that the Person represents) with respect to their data and Our usage of customer’s data in the context of the Service.

This Privacy Policy has been prepared in compliance with, but not limited to:

• Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011
• Information Technology (Intermediary Guidelines and Digital Media Ethics Code) Rules, 2021
• Guidelines on Digital Lending issued by the Reserve Bank of India (RBI), 2022
• Other applicable acts, regulations and rules which require the publishing of a privacy policy for handling of or dealing in personal information including sensitive personal data or information and all applicable laws, regulations, guidelines provided by applicable regulatory authorities including but not limited to the RBI.

This Privacy Policy is incorporated into and at all times is subject to and is to be read in conjunction with the Terms and Conditions for Use of the Platform.

What do we collect

We collect various types of information, via the Platform or via other offline and online means, from and about Users of our Services including

• “Personal Information” which includes any information concerning the personal or material circumstances of an identified or identifiable individual and is capable of uniquely identifying a person and/or the business entity that a person represents
• Contact information, such as your full name (in its legal form), email, mobile number, phone number, IP address and contact address (permanent and/or temporary).
• Business Entity Financial & Other Information (related to the business entity): including but not limited to Balance Sheet, Profit & Loss accounts, cashflow statements, Tax-related documents such as income tax return & GST returns, auditors reports, Company Bank Statements, Board Resolutions, Directors KYC amongst others
• Content you choose to upload to the Services, whether or not specifically required by the Services, such as text, images, audio, and video, and information regarding your assets & liabilities, such as asset types and descriptions, and information regarding your Intended Recipients (defined below), such as full name (in its legal form), email, mobile number, phone number, IP address and contact address (permanent and/or temporary), and related notes, along with the metadata associated with the files you upload.
• Profile information, such as your email address, mobile number, full name (in its legal form)and password that you may set to establish an online account with us, your photograph, and preferences.
• Registration information, such as information that may be related to a Service or an account.
• Feedback or correspondence, such as information you provide when you contact us with questions, feedback, or otherwise correspond with us online.
• Demographic Information, such as your city, state, country of residence, postal code, and age.
• Transaction information, such as information about payments to and from you and other details of Services you have purchased from us.
• Usage information, such as information about how you use the Services and interact with us, including information associated with any content you upload to the Services or otherwise submit to us, and information you provide when you use any interactive features of the Services.
• Marketing information, such as your preferences for receiving communications about our activities and publications, and details about how you engage with our communications.
• Other information that we may collect which is not specifically listed here, but which we will use in accordance with this Privacy Policy or as otherwise disclosed at the time of collection.

Information we obtain from social media platforms. We may maintain pages on social media platforms, such as Facebook, LinkedIn, Twitter, Google, YouTube, Instagram, and other third party platforms. When you visit or interact with our pages on those platforms, the platform provider’s privacy policy will apply to your interactions and their collection, use and processing of your personal information. You or the platforms may provide us with information through the platform, and we will treat such information in accordance with this Privacy Policy.

Information we obtain from other third parties. We may receive personal information about you from third-party sources. For example, a business partner may share your contact information with us if you have expressed interest in learning specifically about our Services. We may obtain your personal information from other third parties, such as marketing partners, publicly-available sources and data providers.

Cookies and Other Information Collected by Automated Means

We use cookies to recognize your browser and capture and maintain certain information including but not limited to about your session, device, browser type, geographic information among others. We may use cookies to help us understand and save preferences for current and future visits to our Website.

How We Use The Information Collected

We use the information collected for the following purposes and as otherwise described in this Privacy Policy or at the time of collection:

• To verify and authenticate Your identity
• To facilitate Your usage of our Services
• To connect You with Our authorized third-parties/service partners/lending partners/merchant partners that help provide Our Services to You
• provide, operate and improve the Services
• provide information about our Services
• establish and maintain your user profile
• enable security features of the Services, such as by sending you security codes via email or SMS
• communicate with you about the Services, including by sending you notifications, newsletters, updates, security alerts, and support and administrative messages
• understand your needs and interests, and personalize your experience with the Services and our communications
• provide support and maintenance for the Services
• respond to your requests, questions and feedback
• analyze your use of the Services to develop new products & Services
• comply with applicable laws & legal processes
• disclose it to law enforcement, government authorities, and private parties as we believe necessary or appropriate to: (a) protect our, your or others’ rights, privacy, safety or property (including by making and defending legal claims); (b) enforce the terms and conditions that govern the Services; and (c) protect, investigate and deter against fraudulent, harmful, unauthorized, unethical or illegal activity.

Consent

Please note that by providing the Information (as defined above), You provide Your unconditional consent and authorize us to collect, use or disclose such Information for the business and research purposes and as stated in this Privacy Policy and as permitted or required by applicable law. By providing information to Us on our Platform or by any other means, You expressly confirm and consent to TapFin collecting, maintaining, using, processing and disclosing the Information provided by You in accordance with the terms set out in this Privacy Policy.

You understand and hereby consent that the Information may be transferred to any third party for the purpose of providing Services through the Platform or any other online or offline means. You provide consent for the use of Your data to conduct credit bureau checks, KYC checks on You and the Directors of the business entity that You represent, creditworthiness checks, financial health assessment, business viability and for Our authorized partners to collect and/or receive further Information from you to provide the Services.

You understand and hereby consent that the Information may be transferred to any third party providers for rendering Services, for any jointly developed or marketed services, for payment processing, for order fulfilment, customer services, data analysis, information technology services and such other services which enable us to provide Services through the Platform or otherwise

You understand and hereby consent that You may be required to sign further consent forms to avail the Services.

We may create anonymous, aggregated or de-identified data from your personal information and other individuals whose personal information we collect. We make personal information into anonymous, aggregated or de-identified data by removing information that makes the data personally identifiable to you. We may use this anonymous, aggregated or de-identified data and share it with third parties for our lawful business purposes, including to analyze and improve the Services and promote our business.

Your submission of any additional contact information is considered as deemed approval and acceptance to share regular updates, information about our services, new products and other updates.

Under some conditions, we may specifically ask for your consent to collect, use and share your personal information for purposes beyond those mentioned in this document.

This Privacy Policy shall be enforceable against you in the same manner as any other written agreement. By visiting or accessing the Platform and voluntarily providing us with Information (including Personal Data), you are consenting to our use of the Information, in accordance with this Privacy Policy.

How do I withdraw my consent?

If after you opt-in, you change your mind, you may withdraw your consent for us to contact you, for the continued collection, use or disclosure of your information, at any time, by informing us in writing over email at contact@tapfin.in

Under such circumstances, we may be unable to render Services.

Retention

We retain personal information for as long as necessary to fulfill the purposes for which we collected it, including for the purposes of satisfying any legal, accounting, or reporting requirements, to establish or defend legal claims, or for fraud prevention purposes.

How We Share your Personal Information

We do not share your personal information with third parties without your consent, except in the following circumstances or as described in this Privacy Policy:

Affiliates. We may share your personal information with our corporate parent, subsidiaries, and affiliates, for purposes consistent with this Privacy Policy.

Service providers. We may share your personal information with third party companies and individuals that provide services on our behalf or help us operate the Services (such as customer support, hosting, analytics, email delivery, marketing, and database management services). These third parties may use your personal information only as directed or authorized by us and in a manner consistent with this Privacy Policy, and are prohibited from using or disclosing your information for any other purpose.